A piece I wrote for Financial News about the target market for startups, and whether they should target very large financial institutions: “This is a question that often comes back in fintech: what are the target customers for a start-up and should they go after the large banks, insurers, asset managers?…”
Lending Club and Prosper are the largest – and most well-known – p2p platforms in the US, but SoFi is certainly one of the most interesting. #119024681 / gettyimages.com SoFi is a p2p platform based on a simple concept : get alumni of US universities to borrow from other alumni. This obviously facilitates credit(…)
How quickly can Disruptive Innovation revolutionise existing industries ? For many reasons, I think that finance will be drastically different in 10 years, but what can actually happen over a 10-year period ? Let’s try to be systematic, and since I use a very simple framework to look at startups, let’s use the same approach(…)
One of the questions that often comes back when I talk about Disruptive Finance and Fintech is “What is the opportunity in Disruptive Finance ? “. This is clearly a question I’m also very interested in, and this article summarises my main thoughts. Before answering the question, I think we should actually rephrase it. There(…)
